過払い金が発生する仕組みを大阪の弁護士がシミュレート。大阪周辺の皆様を対象に過払い金の無料相談を実施中。

債務整理大阪ＴＯＰ＞＞債務整理あれこれ ＞＞過払い金とは＞＞過払い金シミュレーション

---

過払い金シミュレーション

　過払い金が発生する仕組についてイメージして頂くため，次のような架空の取引を例に具体的に引き直し計算をしてみました。（スマホでご覧いただく場合，計算表が枠外に出てしまい見辛くなりますが，ご容赦ください。）。

【事例】
　Ａさんは，平成１２年１０月１日，サラ金との間で，限度枠５０万円，年２９．２％の利率で契約を結び，初回に限度枠一杯の５０万円を借りました。その後，下表のとおり，毎月５日ごとに２万３０００円を返済しましたが，その都度，１万円ないし２万円を借りていたため，常に限度枠一杯の状態でした。サラ金からは，下表（Ａ）欄の金額を残元金として請求されていました。
　この様な場合に，利息制限法所定の利率年１８％に引き直して計算し直してみると，残元金は下表（Ｂ）欄のようになります。

（※）Ｂ欄のマイナス表示は過払い金が発生したことを示しています。
（※）下表では，できる限り単純化してわかりやすくするために過払金に年５％の利息は付していません。

取引日	借入額	返済額	業者請求額（Ａ）		引直計算後の負債額（Ｂ）
			利率	残元金	利率	残元金（※）
H12/10/01	500,000		29.2%	500,000	18%	500,000
H12/11/05		23,000	29.2%	490,961	18%	485,606
H12/12/05		23,000	29.2%	479,711	18%	469,770
H12/12/05	20,000		29.2%	499,711	18%	489,770
H13/01/05		23,000	29.2%	489,075	18%	474,240
H13/01/05	10,000		29.2%	499,075	18%	484,240
H13/02/05		23,000	29.2%	488,452	18%	468,642
H13/02/05	10,000		29.2%	498,452	18%	478,642
H13/03/05		23,000	29.2%	486,617	18%	462,251
H13/03/05	10,000		29.2%	496,617	18%	472,251
H13/04/05		23,000	29.2%	485,933	18%	456,470
H13/04/05	10,000		29.2%	495,933	18%	466,470
H13/05/05		23,000	29.2%	484,835	18%	450,371
H13/05/05	10,000		29.2%	494,835	18%	460,371
H13/06/05		23,000	29.2%	484,106	18%	444,409
H13/06/05	10,000		29.2%	494,106	18%	454,409
H13/07/05		23,000	29.2%	482,964	18%	438,131
H13/07/05	10,000		29.2%	492,964	18%	448,131
H13/08/05		23,000	29.2%	482,189	18%	431,981
H13/08/05	10,000		29.2%	492,189	18%	441,981
H13/09/05		23,000	29.2%	481,395	18%	425,737
H13/09/05	10,000		29.2%	491,395	18%	435,737
H13/10/05		23,000	29.2%	480,188	18%	419,183
H13/10/05	10,000		29.2%	490,188	18%	429,183
H13/11/05		23,000	29.2%	479,344	18%	412,744
H13/11/05	20,000		29.2%	499,344	18%	432,744
H13/12/05		23,000	29.2%	488,328	18%	416,146
H13/12/05	10,000		29.2%	498,328	18%	426,146
H14/01/05		23,000	29.2%	487,686	18%	409,660
H14/01/05	10,000		29.2%	497,686	18%	419,660
H14/02/05		23,000	29.2%	487,028	18%	403,075
H14/02/05	10,000		29.2%	497,028	18%	413,075
H14/03/05		23,000	29.2%	485,161	18%	395,778
H14/03/05	10,000		29.2%	495,161	18%	405,778
H14/04/05		23,000	29.2%	484,440	18%	388,981
H14/04/05	10,000		29.2%	494,440	18%	398,981
H14/05/05		23,000	29.2%	483,306	18%	381,883
H14/05/05	10,000		29.2%	493,306	18%	391,883
H14/06/05		23,000	29.2%	482,539	18%	374,873
H14/06/05	10,000		29.2%	492,539	18%	384,873
H14/07/05		23,000	29.2%	481,359	18%	367,567
H14/07/05	10,000		29.2%	491,359	18%	377,567
H14/08/05		23,000	29.2%	480,544	18%	360,339
H14/08/05	10,000		29.2%	490,544	18%	370,339
H14/09/05		23,000	29.2%	479,709	18%	353,000
H14/09/05	20,000		29.2%	499,709	18%	373,000
H14/10/05		23,000	29.2%	488,702	18%	355,518
H14/10/05	10,000		29.2%	498,702	18%	365,518
H14/11/05		23,000	29.2%	488,069	18%	348,105
H14/11/05	10,000		29.2%	498,069	18%	358,105
H14/12/05		23,000	29.2%	487,022	18%	340,402
H14/12/05	10,000		29.2%	497,022	18%	350,402
H15/01/05		23,000	29.2%	486,348	18%	332,758
H15/01/05	10,000		29.2%	496,348	18%	342,758
H15/02/05		23,000	29.2%	485,657	18%	324,997
H15/02/05	10,000		29.2%	495,657	18%	334,997
H15/03/05		23,000	29.2%	483,759	18%	316,622
H15/03/05	10,000		29.2%	493,759	18%	326,622
H15/04/05		23,000	29.2%	483,004	18%	308,615
H15/04/05	10,000		29.2%	493,004	18%	318,615
H15/05/05		23,000	29.2%	481,836	18%	300,328
H15/05/05	10,000		29.2%	491,836	18%	310,328
H15/06/05		23,000	29.2%	481,033	18%	292,072
H15/06/05	10,000		29.2%	491,033	18%	302,072
H15/07/05		23,000	29.2%	479,817	18%	283,541
H15/07/05	20,000		29.2%	499,817	18%	303,541
H15/08/05		23,000	29.2%	489,212	18%	285,181
H15/08/05	10,000		29.2%	499,212	18%	295,181
H15/09/05		23,000	29.2%	488,592	18%	276,693
H15/09/05	10,000		29.2%	498,592	18%	286,693
H15/10/05		23,000	29.2%	487,558	18%	267,934
H15/10/05	10,000		29.2%	497,558	18%	277,934
H15/11/05		23,000	29.2%	486,897	18%	259,182
H15/11/05	10,000		29.2%	496,897	18%	269,182
H15/12/05		23,000	29.2%	485,822	18%	250,164
H15/12/05	10,000		29.2%	495,822	18%	260,164
H16/01/05		23,000	29.2%	485,112	18%	241,139
H16/01/05	10,000		29.2%	495,112	18%	251,139
H16/02/05		23,000	29.2%	484,357	18%	231,967
H16/02/05	10,000		29.2%	494,357	18%	241,967
H16/03/05		23,000	29.2%	482,794	18%	222,418
H16/03/05	10,000		29.2%	492,794	18%	232,418
H16/04/05		23,000	29.2%	481,981	18%	212,961
H16/04/05	10,000		29.2%	491,981	18%	222,961
H16/05/05		23,000	29.2%	480,756	18%	203,250
H16/05/05	10,000		29.2%	490,756	18%	213,250
H16/06/05		23,000	29.2%	479,893	18%	193,501
H16/06/05	20,000		29.2%	499,893	18%	213,501
H16/07/05		23,000	29.2%	488,857	18%	193,651
H16/07/05	10,000		29.2%	498,857	18%	203,651
H16/08/05		23,000	29.2%	488,194	18%	183,755
H16/08/05	10,000		29.2%	498,194	18%	193,755
H16/09/05		23,000	29.2%	487,515	18%	173,708
H16/09/05	10,000		29.2%	497,515	18%	183,708
H16/10/05		23,000	29.2%	486,422	18%	163,418
H16/10/05	10,000		29.2%	496,422	18%	173,418
H16/11/05		23,000	29.2%	485,699	18%	153,061
H16/11/05	10,000		29.2%	495,699	18%	163,061
H16/12/05		23,000	29.2%	484,563	18%	142,466
H16/12/05	10,000		29.2%	494,563	18%	152,466
H17/01/05		23,000	29.2%	483,800	18%	131,791
H17/01/05	10,000		29.2%	493,800	18%	141,791
H17/02/05		23,000	29.2%	483,046	18%	120,958
H17/02/05	10,000		29.2%	493,046	18%	130,958
H17/03/05		23,000	29.2%	481,090	18%	109,766
H17/03/05	10,000		29.2%	491,090	18%	119,766
H17/04/05		23,000	29.2%	480,269	18%	98,596
H17/04/05	10,000		29.2%	490,269	18%	108,596
H17/05/05		23,000	29.2%	479,035	18%	87,202
H17/05/05	20,000		29.2%	499,035	18%	107,202
H17/06/05		23,000	29.2%	488,411	18%	85,840
H17/06/05	10,000		29.2%	498,411	18%	95,840
H17/07/05		23,000	29.2%	487,372	18%	74,257
H17/07/05	10,000		29.2%	497,372	18%	84,257
H17/08/05		23,000	29.2%	486,706	18%	62,545
H17/08/05	10,000		29.2%	496,706	18%	72,545
H17/09/05		23,000	29.2%	486,024	18%	50,654
H17/09/05	10,000		29.2%	496,024	18%	60,654
H17/10/05		23,000	29.2%	484,928	18%	38,551
H17/10/05	10,000		29.2%	494,928	18%	48,551
H17/11/05		23,000	29.2%	484,202	18%	26,293
H17/11/05	10,000		29.2%	494,202	18%	36,293
H17/12/05		23,000	29.2%	483,062	18%	13,829
H17/12/05	10,000		29.2%	493,062	18%	23,829
H18/01/05		23,000	29.2%	482,289	18%	1,193
H18/01/05	10,000		29.2%	492,289	18%	11,193
H18/02/05		23,000	29.2%	481,497		-11,636
H18/02/05	10,000		29.2%	491,497		-1,636
H18/03/05		23,000	29.2%	479,506		-24,636
H18/03/05	20,000		29.2%	499,506		-4,636
H18/04/05		23,000	29.2%	488,893		-27,636
H18/04/05	10,000		29.2%	498,893		-17,636
H18/05/05		23,000	29.2%	487,866		-40,636
H18/05/05	10,000		29.2%	497,866		-30,636
H18/06/05		23,000	29.2%	487,213		-53,636
H18/06/05	10,000		29.2%	497,213		-43,636
H18/07/05		23,000	29.2%	486,146		-66,636
H18/07/05	10,000		29.2%	496,146		-56,636
H18/08/05		23,000	29.2%	485,450		-79,636
H18/08/05	10,000		29.2%	495,450		-69,636
H18/09/05		23,000	29.2%	484,737		-92,636
H18/09/05	10,000		29.2%	494,737		-82,636
H18/10/05		23,000	29.2%	483,610		-105,636
H18/10/05	10,000		29.2%	493,610		-95,636
H18/11/05		23,000	29.2%	482,851		-118,636
H18/11/05	10,000		29.2%	492,851		-108,636
H18/12/05		23,000	29.2%	481,679		-131,636
H18/12/05	10,000		29.2%	491,679		-121,636
H19/01/05		23,000	29.2%	480,872		-144,636
H19/01/05	10,000		29.2%	490,872		-134,636
H19/02/05		23,000	29.2%	480,045		-157,636
H19/02/05	10,000		29.2%	490,045		-147,636
H19/03/05		23,000	29.2%	478,022		-170,636
H19/03/05	20,000		29.2%	498,022		-150,636
H19/04/05		23,000	29.2%	487,372		-173,636
H19/04/05	10,000		29.2%	497,372		-163,636
H19/05/05		23,000	29.2%	486,308		-186,636
H19/05/05	10,000		29.2%	496,308		-176,636
H19/06/05		23,000	29.2%	485,616		-199,636
H19/06/05	10,000		29.2%	495,616		-189,636
H19/07/05		23,000	29.2%	484,510		-212,636
H19/07/05	10,000		29.2%	494,510		-202,636
H19/08/05		23,000	29.2%	483,773		-225,636
H19/08/05	10,000		29.2%	493,773		-215,636
H19/09/05		23,000	29.2%	483,018		-238,636
H19/09/05	10,000		29.2%	493,018		-228,636

　上記事例の場合，取引開始から約５年半が経過した平成１８年２月５日までには残債務がゼロになり，取引開始から７年経過した平成１９年９月５日の時点では２２万円以上の過払い金が発生していることになります（実際には年５％の利息がのりますので，もっと大きな金額になります。）。
　ただ，過払い金は最終取引日から１０年で時効です。上記の例であれば，平成２９年９月５日までに請求しなければ，回収できないことになります。
　過払い金に心当たりがある方は，至急，当事務所に相談してください。

---

債務整理（任意整理・過払い金・自己破産・個人再生）とは

不安解消　メール予約システムについての説明

大阪での債務整理・過払い金は若林・新井総合法律事務所
大阪府大阪市淀川区西三国3-11-17　TEL 06-6396-3110